The XINNIX Certified Originator (XCO) designation signifies your true commitment to professional excellence.

By demonstrating your essential industry knowledge, advanced mortgage skills, and personal oath to the highest ethical standards, the XCO designation will leave no doubt concerning your professional credentials.

Successfully passing the XCO examination requires your practical expertise in the following areas:

• Essential Industry Guidelines
• Federal Compliance Regulations
• Advanced Client Qualification Skills
• Advanced FNMA, FHLMC, FHA & VA Programs
• Personal Tax Returns & Asset Statements
• Subordinate Financing
• Homebuyer Types
• Appraisals, Refinances & Sales Contracts
• Good Faith Estimates & HUD-1 Statements
• And much more

Your referral partners, clients and industry peers deserve absolute proof of your mortgage expertise. The XCO Designation is designed to help you separate yourself from lesser skilled competitors.